Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesses. Star Criticare Plus provides a lump sum payment for long-term diseases such as cancer, chronic kidney disease, brain tumor, major organ transplant, Cerebro-Vascualr Stroke causing Hemiplegia, Acute Myocardial Infarction, established irreversible coma, and many more critical diseases. One of the distinctive features of this policy is that it provides cover for non-allopathic treatments up to a certain limit.
Star Criticare Plus Policy offers a fair range of sum insured options from 1 Lakh to 10 Lakh with an age gap of 18 to 65 years. This plan provides policyholders coverage for themselves along with any one family member under Star Criticare Plus Policy.
To understand Star Criticare Plus Policy Insurance in detail, take a look at the below table:
18 to 65 years
Critical Illness Health Insurance
2 L | 10 L
90 Days
NA
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Star Criticare Plus Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Not Covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not covered
Compassionate Travel
Not covered
Global Coverage
Not covered
E-Consultation
Not covered
Health Check-Up
Not covered
Second Medical Opinion
Not covered
Vaccination
Not covered
Co-payment
Applicable
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Star Criticare Policy has multiple advantages that policyholders can avail after the purchase.
Organ Donor expenses are not availabe.
Multiple discount options
Avail up to 25% of the Sum Insured
Ambulance coverage
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
With the Star Criticare Plus Policy policyholders get hospitalization expenses (excluding the cost of the organ and organ donor) incurred during the course of organ transplant to the insured.
Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.
Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured or subject to a maximum of Rs. 25,000/- per policy period is provided for the treatment of Illness or Injury.
The policy provides additional coverage for ambulances. Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and an overall limit of Rs.1,500/- per policy period.-
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured / Age in yrs | 18 - 35 | 18 - 45 | 18 - 55 | 18 - 65 | Above 65 |
Rs.2,00,000/- | 3,750/- | 4,200/- | 6,400/- | 7,550/- | 11,150/- |
Rs.3,00,000/- | 5,400/- | 6,000/- | 8,900/- | 11,600/- | 16,200/- |
Rs.4,00,000/- | 7,000/- | 7,680/- | 12,300/- | 15,900/ | 21,050/- |
Rs.5,00,000/- | 8,400/- | 9,400/- | 15,200/- | 19,500/- | 25,900/ |
Rs.10,00,000/- | 14,600/- | 16,100/- | 22,600/- | 28,200/- | 35,350/ |
Permanent diseases or health conditions that are not included under Star Criticare Plus Policy are:
Medical expenses related to the treatment of any illness within 30 days from the first day of commencement of the policy will be excluded.
Expenses on the treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele and related disorders, treatment for gallstones and renal stones are not covered during the first year of the policy.
Expenses on the treatment of Cataracts, Hysterectomy for Menorrhagia or Fibromyoma, treatment for knee or joint, Prolapse of the intervertebral and many other diseases, after two years from the date of commencement of policy will be excluded.
Expenses related to X-ray, or laboratory examinations other than primary hospitalization will be excluded.
Cost of medical aids such as wheelchairs, crutches, contact lenses, hearing aids etc.
Circumcision, vaccination, inoculation, and dental treatment.
Cosmetic and aesthetic treatments.
Change of gender treatments, sterility and infertility treatments.
Expenses related to obesity treatments and weight management treatments or any unproven treatment.
Sexually transmitted diseases, HIV, venereal diseases.
Refractive Error, spectacles, correction of eyesight.
Expenses related to any hazardous or adventure sports.
Expenses on the treatment related to pregnancy, childbirth, miscarriage, abortion, etc.
Treatment for Alcoholism, drug or substance abuse or any addictive condition.
Injuries caused while under the influence of alcohol or drugs.
Intentional self-injuries.
Hospital registration charges, record charges, incidental and miscellaneous expenses and telephone charges.
Hospitalization out of war, nuclear weapons, riots, and strikes.
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after 48 months
Listed Illness 3 Months
To cater to the different medical needs of an individual & their family, Star Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Star Health Insurance plans explore more:
Critical Illness Health Insurance
Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The p...
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Senior Citizen Health Insurance
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit....
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Critical Illness Health Insurance
Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially p...
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Critical Illness Health Insurance
Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with a lump sum coverage on the diagnosis of any...
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Individual and Family Health Insurance
Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and takes care of incidental expenses such a...
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Critical Illness Health Insurance
Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Ane...
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Individual and Family Health Insurance
A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. Star Speci...
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Top Up and Super Top Up
Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. Y...
Unique Features
Individual and Family Health Insurance
Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...
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Individual and Family Health Insurance
Get comprehensive coverage at affordable premiums. Star Comprehensive insurance policy is a complete health insurance plan that looks after all the he...
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Individual and Family Health Insurance
Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...
Unique Features
Individual and Family Health Insurance
Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them wi...
Unique Features
Individual and Family Health Insurance
Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts as an enhancer for the benefits of the base in...
Unique Features
Top Up and Super Top Up
A top-up plan for added coverage at affordable costs Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage a...
Unique Features
Critical Illness Health Insurance
Medical insurance designed specially for heart patients. Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals ...
Unique Features
Individual and Family Health Insurance
Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floa...
Unique Features
Individual and Family Health Insurance
A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...
Unique Features
Senior Citizen Health Insurance
Perfect plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcar...
Unique Features
Critical Illness Health Insurance
Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during th...
Unique Features
Individual and Family Health Insurance
Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with two va...
Unique Features
Individual and Family Health Insurance
Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. A...
Unique Features
Individual and Family Health Insurance
Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifically to provide the best possible med...
Unique Features
Senior Citizen Health Insurance
Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....
Unique Features
Individual and Family Health Insurance
Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are design...
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Individual and Family Health Insurance
Turning sixty is a major milestone for a person. It is time to become more careful about one's health. Any kind of illness can bring in a lot of anxie...
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Critical Illness Health Insurance
It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the ...
Unique Features
Individual and Family Health Insurance
Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its...
Unique Features
Accident Health Insurance
Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any indi...
Unique Features
Individual and Family Health Insurance
Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a...
Unique Features
Critical Illness Health Insurance
Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesse...
Unique Features
Individual and Family Health Insurance
Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health spe...
Unique Features
Top Up and Super Top Up
Top-up health plans from Star Health Insurance can help you protect your health in the event of a medical emergency after you have exhausted the sum i...
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Critical Illness Health Insurance
Cancer is a deadly and difficult disease to deal with, causing patients and their families to struggle emotionally, physically, and psychologically. C...
Unique Features
Critical Illness Health Insurance
The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...
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Individual and Family Health Insurance
Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...
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Individual and Family Health Insurance
Star Health Insurance Company has launched one of the most revolutionary insurance plans - the Super Star Health Plan. It has the flexibility to custo...
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The age for buying Star Criticare Plus Policy is minimum-18 years and maximum-65 years.
The sum assured by the Star Criticare Plus Policy is a minimum- of 2 lakhs and a maximum of -10 lakhs.
No, Star Criticare Plus Policy does not provide OPD benefits.
Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.
Yes, Star Criticare Plus Policy provides AYUSH benefits, admissible up to 25% of the sum insured, subject to a maximum of Rs. 25,000/- per policy period.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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